2026–27 income year (1 July 2026 – 30 June 2027), Australian residents
Salary after tax
Your salary as a skyscraper
Each floor is a slice of your yearly salary with its own tax rate. Blue is what you keep from that floor; red goes to tax and yellow to contributions. Your marginal rate applies only to the top floor, the next slice of pay you earn. A raise adds floors on top, and the floors below keep their rates.
Yearly amounts. Hover or tap a floor for its numbers. Very thin slices are merged into the floor below; the Marginal rate tab lists every threshold.
Breakdown by pay period
Compare salaries
Add up to five annual salaries — a raise, two job offers, or the same pay in different places.
Your marginal tax rate
Marginal rate is the share of your next unit of salary that goes to tax and payroll deductions. Average rate is the share of your whole salary that does.
Tax brackets apply only to the slice of income that falls inside each one. Moving into a higher bracket raises the rate on the extra income only; everything below keeps its lower rates. That is why the average rate climbs slowly behind the marginal rate.
The marginal rate also moves when a payroll contribution reaches its yearly ceiling (it falls), when an allowance or credit is phased out (it rises), or when a levy phases in.
- Marginal rate
- Average rate
- Your salary
Where your marginal rate changes
Take-home pay at other salaries
Buy us a Donut
No sign-up, no paywall, and your data never leaves your browser. Every rate is checked against official tax sources, and tax rules change every year.
If this saved you a spreadsheet or a call to your accountant, a donut keeps the numbers current and the calculator free for the next person.
How this is calculated
Rules, rate tables, what's not included, and official sources
- Resident income tax brackets below apply to the whole salary (the first $18,200 is tax-free).
- The Low Income Tax Offset of up to $700 is subtracted from tax: it falls by 5 cents per dollar above $37,500 and by 1.5 cents per dollar above $45,000, reaching zero at $66,667.
- The Medicare levy is 2% of taxable income. Below the singles low-income threshold ($28,011, the latest legislated figure, set for 2025–26) none is payable, and above it the levy phases in at 10 cents per dollar until it reaches the full 2%.
- Salary is treated as excluding super, which your employer pays on top.
| Taxable income | Rate |
|---|---|
| Up to $18,200 | 0% |
| $18,200 – $45,000 | 15% |
| $45,000 – $135,000 | 30% |
| $135,000 – $190,000 | 37% |
| Over $190,000 | 45% |
Not included
- Medicare levy surcharge for people without private hospital cover.
- HELP / study loan repayments.
- Non-resident and working-holiday-maker rates, and deductions you might claim in your return.
Your employer pays Superannuation Guarantee of 12% of ordinary-time earnings into your super fund on top of this salary.
Sources
- ATO — Tax rates for Australian residents
- ATO — Low and middle income earner tax offsets
- ATO — Medicare levy reduction for low-income earners
- ATO — Super guarantee
Rates last checked against these sources on 2026-09-30.